Auto
Insurance Solutions
Comprehensive coverage for personal vehicles, luxury and exotic cars, commercial fleets, and rideshare drivers across Florida.
Get a QuoteAuto Insurance Engineered for Florida Drivers
Florida is a no-fault state with one of the highest accident rates and one of the most expensive auto-insurance markets in the country. Policy structure matters more than headline price.
Key Auto Insurance Facts
- Florida requires every driver to carry $10K PIP and $10K Property Damage Liability — but Bodily Injury Liability is not mandated for most drivers.
- Florida has the highest rate of uninsured motorists in the U.S. — roughly 20% of drivers carry no auto insurance.
- Average annual auto premium in Florida exceeds $3,200 — among the top three most expensive states in the country.
Auto Insurance Engineered for Florida Drivers
Florida is a no-fault auto-insurance state — every driver must carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability is not state-mandated for most drivers, but every credible auto policy carries it because PIP alone leaves you exposed to lawsuits the moment an injury exceeds the no-fault threshold.
South Florida ranks among the most expensive metros in the country to insure a vehicle. Dense traffic, year-round driving, hurricane comprehensive claims, and the highest rate of uninsured motorists in the United States all push premiums upward — and reward drivers who structure liability and uninsured-motorist coverage carefully rather than buying the cheapest minimum policy.
SMAART Insurance places personal auto, exotic and luxury vehicle, classic car, and commercial fleet policies with carriers that actually compete on Florida exposures. We compare across multiple top-rated insurers, structure liability and uninsured motorist limits to your real risk, and bundle home, umbrella, and auto for measurable premium savings.
Key Auto Insurance Facts
- ■Florida requires every driver to carry $10K PIP and $10K Property Damage Liability — but Bodily Injury Liability is not mandated for most drivers.
- ■Florida has the highest rate of uninsured motorists in the U.S. — roughly 20% of drivers carry no auto insurance.
- ■Average annual auto premium in Florida exceeds $3,200 — among the top three most expensive states in the country.
- ■Comprehensive coverage applies to flood, hail, hurricane, falling objects, theft, and animal strikes — not just collision.
- ■Bundling auto with home or umbrella commonly produces 10%–25% multi-policy premium savings.
Of Florida drivers carry no auto insurance — the highest uninsured-motorist rate in the United States.
Auto Insurance Products
From personal auto to luxury exotics and commercial fleets, we match you with the right coverage for every vehicle you own.
Personal Auto
Liability, collision, and comprehensive coverage for your everyday vehicles — protecting you on every drive.
Learn MoreLuxury & Exotic Vehicle
Agreed value coverage for high-end vehicles including Ferrari, Lamborghini, Porsche, Bentley, and more.
Learn MoreCommercial Fleet
Comprehensive coverage for business-owned vehicle fleets with simplified management under one policy.
Learn MoreRideshare Insurance
Gap coverage for Uber, Lyft, and delivery drivers — protecting you during every phase of your trip.
Learn MoreClassic & Collector Cars
Agreed value policies for vintage and collector vehicles that honor their true worth.
Learn MoreUninsured/Underinsured Motorist
Protection when the other driver lacks adequate coverage to pay for your injuries and damages.
Learn MoreGAP Insurance
Covers the difference between your vehicle's current value and the remaining balance on your loan or lease.
Learn MoreSR-22 Filing
High-risk driver insurance and reinstatement assistance to get you back on the road legally.
Learn MoreRental Reimbursement
Coverage for temporary transportation while your vehicle is being repaired after a covered claim.
Learn MoreWhy Drivers Choose SMAART
Luxury Vehicle Expertise
Specialized knowledge and carrier relationships for insuring high-value, exotic, and collector vehicles at competitive rates.
Florida PIP Specialists
Deep expertise in Florida's no-fault insurance system, ensuring you have the right PIP coverage and understand your benefits.
Multi-Vehicle Discounts
Significant savings when you bundle multiple vehicles under one policy — whether personal, family, or fleet.
Get a Professional Risk Assessment
Our experts analyze your risk exposure and build a comprehensive protection strategy tailored to your business.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Coverage That Pairs With Auto Insurance
Florida drivers rarely have just one risk. SMAART structures programs that cover your vehicles, your home, and the businesses or families behind the wheel.
Personal Insurance
Home, auto, life, health, and umbrella coverage bundled for stronger protection and better rates.
personal insurance for Florida familiesCommercial Insurance
General liability, property, workers' comp, cyber, and specialty programs for Florida businesses.
commercial insurance for Florida businessesRisk Assessment
Vulnerability analysis, gap identification, and mitigation strategies before claims happen.
Florida business risk assessment and mitigation servicesReady to Protect Your Vehicles?
Our auto insurance specialists are ready to find the right coverage for your personal vehicles, luxury cars, or commercial fleet.
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